You hear it all the time — attitudes about fraud are changing. And while that may be true for some, a recent Insurance Research Council survey found that 18 percent of respondents believe it is acceptable to pad a claim to make up for premiums paid in the past. And according to the National Insurance Crime Bureau (NICB), 10 percent of property and casualty claims are fraudulent. And it all comes down to this, liars lie. And as long as liars lie, there will be people who commit claims fraud.

No doubt you’ve heard these lies: existing damage was the result of a recent accident even though the damage occurred before the policy was active, a car was stolen even though it was recovered at a boyfriend’s apartment, or the vehicle is driven for private use even though it has a ladder rack and company signage on the side. Or how about a severely injured person who can’t work, out and about at the golf course? This list goes on even as liars get more creative in their fraud attempts.

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